A survey, conducted by consumer healthcare company Amino and market research company Ipsos, analyzed how rising out of pocket costs are affecting Millennials ‘ approach to healthcare.

Of the 1,000 millennials polled, 74% said their healthcare costs have gone up over the last few years.

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27% of millennials said they will put off visiting a doctor to avoid high costs. And 29% of millennials are worried about whether their insurance would cover basic costs.

Under the Affordable Care Act, a number of routine and preventive services (like an annual exam) are for free or heavily subsidized. But because there are now more people with high deductibles, which leave them on the hook for at least $1,000 of their medical costs before insurance kicks in, there are some concerns about how much routine blood work or a new prescription might cost.

The survey found that more than half of millennials tend to be under-prepared for healthcare expenses: 55% got a bill that they didn’t budget for.

But there is a bright spot: 70% of millennials talked to their healthcare providers about costs before going for a visit, compared to 50% of those over 35.